> ## Documentation Index
> Fetch the complete documentation index at: https://docs.shopwrk.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Connect Stripe to accept online and in-person payments

> Link your Stripe account to ShopWrk to collect online invoice payments, run in-person card readers, issue refunds, and track transactions in one place.

ShopWrk uses Stripe Connect to process payments on your behalf. Once connected, customers can pay invoices online through a Stripe-hosted page, and you can collect in-person payments at the counter using a Stripe Terminal card reader. All payouts go directly to your linked bank account.

## Connect your Stripe account

Go to **Settings → Payments** to begin. You'll need to complete Stripe's onboarding before you can accept any payments.

<Steps>
  <Step title="Choose your business type">
    Select whether you operate as a **Company / LLC** (registered business entity) or a **Sole proprietor / Individual** (operating under your own name). This determines which verification documents Stripe will ask for.
  </Step>

  <Step title="Start the Stripe onboarding flow">
    Click **Connect Stripe Account**. You'll be redirected to Stripe to provide:

    * Business name, address, and EIN or SSN
    * Bank account for receiving payouts
    * Identity verification documents
  </Step>

  <Step title="Complete verification">
    After submitting your information, Stripe reviews and verifies your account. You'll be returned to ShopWrk automatically. If Stripe needs more information, a banner will appear on the Payments page listing the specific items still required.
  </Step>

  <Step title="Confirm charges and payouts are enabled">
    Once fully onboarded, the Payments page shows two green checkmarks: **Charges** and **Payouts**. Both must be active before ShopWrk can process payments for you.
  </Step>
</Steps>

<Note>
  If you leave Stripe's onboarding partway through, your account is saved. Return to **Settings → Payments** and click **Continue Setup** to pick up where you left off.
</Note>

## Accepting online payments

When your Stripe account is connected and charges are enabled, ShopWrk sends customers a link to a Stripe-hosted invoice page where they can pay by card.

The typical flow is:

1. Create an estimate for the customer and get their approval.
2. Convert the approved estimate to a job, then generate an invoice.
3. Send the invoice — the customer receives a link to pay online.
4. ShopWrk records the payment and marks the invoice paid.

<Tip>
  You can configure deposits and partial payments through payment schedules when creating an invoice. This lets you collect a deposit upfront and the balance on completion.
</Tip>

## In-person payments with Stripe Terminal

Stripe Terminal lets you accept card payments at the counter without leaving ShopWrk. Supported readers are the **Stripe Reader M2** (Bluetooth, handheld) and the **BBPOS WisePOS E** (countertop).

### Prerequisites

Before registering a reader, make sure:

* Your Stripe account is fully connected and charges are enabled.
* POS payments are turned on under **Payment Methods** in the Payments settings.
* Your shop address is filled in under **Settings → Shop** (required by Stripe for Terminal registration).

### Registering a reader

<Steps>
  <Step title="Power on the reader">
    Turn on your Stripe reader. It will display a registration code on screen (for example, `sepia-cerulean-heron`).
  </Step>

  <Step title="Add the reader in ShopWrk">
    In **Settings → Payments**, scroll to **POS Terminal Setup** and click **Add Reader**. Enter the registration code and an optional label (for example, "Front Counter" or "Bay 1").
  </Step>

  <Step title="Confirm the connection">
    The reader appears in the list with an **Online** status once it connects to your network. If it shows **Offline**, check that the reader is on the same Wi-Fi network as your device.
  </Step>
</Steps>

<Warning>
  You can remove a reader from ShopWrk at any time, but you'll need to re-register it to use it again.
</Warning>

## Payment methods

Under **Payment Methods** you can control which payment types your shop accepts:

| Method          | Description                                           |
| --------------- | ----------------------------------------------------- |
| Card (online)   | Credit and debit cards on Stripe-hosted invoice pages |
| POS (in-person) | Card payments via Stripe Terminal readers             |
| Cash            | Recorded manually; no Stripe processing               |
| Cheque          | Recorded manually; no Stripe processing               |

Enabling or disabling a method takes effect immediately for new invoices.

## Handling refunds

To refund a payment, open the invoice in ShopWrk and use the refund action. ShopWrk sends the refund instruction to Stripe, which processes it back to the customer's original payment method. Partial refunds are supported.

<Note>
  Stripe typically returns funds to the customer within 5–10 business days, depending on their card issuer.
</Note>

## Stripe Dashboard access

From **Settings → Payments**, click **Open Stripe Dashboard** to jump directly to your Stripe account. Use the Stripe Dashboard to view detailed payout schedules, dispute management, and transaction history beyond what ShopWrk surfaces.

## Disconnecting Stripe

<Warning>
  You cannot disconnect Stripe while open invoices exist. Settle, void, or refund all outstanding invoices first. Disconnecting removes ShopWrk's ability to process payments, but your Stripe account itself is not deleted.
</Warning>

To disconnect, click **Disconnect** on the Payments settings page and confirm the dialog. You can reconnect at any time.

## Related

<CardGroup cols={2}>
  <Card title="Invoices" icon="file-invoice-dollar" href="/workflows/invoices-payments">
    Create and send invoices that customers pay through Stripe.
  </Card>

  <Card title="Estimates" icon="calculator" href="/workflows/estimates">
    Build tier-based quotes and collect customer approval before billing.
  </Card>
</CardGroup>